Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

Growth-focused portfolio with heavy tech exposure and significant cash reserves

Report created on Jul 30, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio exhibits a strong inclination towards growth, with a significant portion allocated to technology stocks and a large cash reserve. The heavy investment in tech companies like Salesforce, Advanced Micro Devices, and Alphabet indicates a strategy favoring high-growth potential sectors. However, the substantial 27.84% held in Fidelity Govt Cash Reserves suggests a cautious approach to risk management, providing liquidity and stability amidst the growth-oriented stock selections.

Growth Info

Historically, this portfolio has shown a remarkable Compound Annual Growth Rate (CAGR) of 27.84%, with a maximum drawdown of -27.53%. These figures reflect a high-growth trajectory, albeit with notable volatility. The days contributing to 90% of returns being limited to 19.0 days indicate that the portfolio's performance is highly concentrated in specific periods, which underscores the importance of timing in investment decisions for such a growth-oriented strategy.

Projection Info

Monte Carlo simulations, running 1,000 scenarios, project a wide range of outcomes with a median annualized return of 41.12%. The 5th percentile at 56.0% and the 67th percentile at 6,882.9% highlight the potential for substantial growth but also underscore the high risk associated with this portfolio. These projections, while useful for understanding possible future scenarios, rely on historical data and cannot guarantee future performance.

Asset classes Info

  • Stocks
    72%

With 72% of the portfolio in stocks and a significant 27.84% in cash equivalents, the allocation underscores a balance between growth and safety. This mix supports flexibility and potential capital appreciation while providing a buffer against market downturns. However, the absence of fixed income or alternative assets limits diversification benefits, which could be crucial in risk management.

Sectors Info

  • Technology
    40%
  • Telecommunications
    13%
  • Consumer Discretionary
    6%
  • Financials
    4%
  • Consumer Staples
    2%
  • Industrials
    1%

The sectoral allocation is heavily skewed towards technology, comprising 40% of the portfolio. This concentration in a single sector increases exposure to sector-specific risks, such as regulatory changes or market sentiment shifts. While tech stocks offer high growth potential, diversifying across more sectors could mitigate risks and stabilize returns over time.

Regions Info

  • North America
    62%
  • Asia Emerging
    3%
  • Asia Developed
    1%

Geographic exposure is predominantly in North America (62%), with minimal allocations to Asia Emerging (3%) and Asia Developed (1%). This concentration in a single region, while potentially capitalizing on local market strengths, limits exposure to global growth opportunities and diversification benefits offered by emerging and developed markets outside North America.

Market capitalization Info

  • Mega-cap
    36%
  • Large-cap
    24%
  • Mid-cap
    6%

The portfolio's market capitalization exposure is heavily tilted towards mega (36%) and big (24%) cap stocks, indicating a preference for established, large companies. While these companies tend to be more stable and less volatile, the relatively low allocation to medium (6%) cap stocks suggests a missed opportunity for higher growth potential that these companies can offer.

Risk vs. return

This chart shows the Efficient Frontier, calculated using your current assets with different allocation combinations. It highlights the best balance between risk and return based on historical data. "Efficient" portfolios maximize returns for a given risk or minimize risk for a given return. Portfolios below the curve are less efficient. This is informational and not a recommendation to buy or sell any assets.

Click on the colored dots to explore allocations.

Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

The current portfolio's risk-return profile could be optimized further. While it shows a commendable expected return, aligning it closer to the Efficient Frontier could enhance returns for the same level of risk. This optimization might involve rebalancing asset classes or diversifying further across sectors and geographies to achieve a more efficient risk-return ratio.

Dividends Info

  • Apple Inc 0.50%
  • Alibaba Group Holding Ltd 0.80%
  • Salesforce.com Inc 0.60%
  • Fidelity Govt Cash Rsrvs 4.00%
  • Alphabet Inc Class A 0.40%
  • Roundhill Magnificent Seven ETF 0.80%
  • Walmart Inc 0.90%
  • Weighted yield (per year) 1.29%

The dividend yield across the portfolio averages to 1.29%, indicating a modest contribution to total returns. Given the growth focus of the portfolio, dividends play a secondary role to capital appreciation. However, dividends from stable companies like Apple and Walmart add a layer of income, enhancing the portfolio's return profile during flat or declining market phases.

Ongoing product costs Info

  • Fidelity Govt Cash Rsrvs 0.26%
  • Roundhill Magnificent Seven ETF 0.29%
  • Weighted costs total (per year) 0.09%

The portfolio's costs are relatively low, with total expense ratios (TER) for selected funds like Fidelity Govt Cash Reserves and Roundhill Magnificent Seven ETF averaging to 0.09%. This efficient cost structure supports better net returns over the long term, an essential factor in maximizing the growth potential of the portfolio.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey